feat(loan-origination): RBI compliance checklist, real client integration, and CIC consent/charge flows

- Add standalone RBI Eligibility Checklist and RBI Rules Reference pages (11 real RBI-circular
  based rules: age-at-maturity, area of operation, PSL, director/related-party, wilful defaulter,
  exposure norms, LTV/margin, fair practices code, prepayment charges, own-shares security,
  insurance bundling), wired into the Loan Origination menu.
- Bridge the mock Loan Origination Pipeline to real Fineract data wherever an application is
  raised against a real Existing Customer: client search in the pipeline intake form, real Share
  Member accounts (with a details popup), and real KYC (Aadhaar/PAN verified status + masked
  numbers + document image view, generic document lookup for Income Proof/Bank Statement/
  Electricity Bill) on the Application Detail page.
- Add local-only capture UI for New Customer / no-account applications: front/back document
  images with crop + simulated Aadhaar OTP / PAN verification, employment-type-aware income proof,
  and an expiry-validated electricity bill upload.
- Add an EMI Calculation Basis breakdown (principal, rate, tenure, total interest/payable, and the
  substituted reducing-balance formula) to the KYC stage's income assessment.
- Add a CIC/Credit Bureau Check consent flow: a generated declaration letter (print for Branch,
  share for BC/Self-Apply), gated on the signed copy being uploaded before the credit score can be
  checked, plus a CIC check charge collected either by debiting a real linked account or via a
  mock payment-link flow for customers with none.
- Let the stage stepper jump directly to any already-reached stage (forward or backward) via a new
  furthestStageIndex, without losing any data already recorded on the application.

src/app/core/shell/shell.component.html

@@ -1376,6 +1376,12 @@
           <button mat-menu-item tabindex="0" routerLink="/loan-origination/pipeline">
             <fa-icon icon="stream" class="menu-item-icon"></fa-icon> Application Pipeline
           </button>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/eligibility-checklist">
+            <fa-icon icon="clipboard-check" class="menu-item-icon"></fa-icon> RBI Eligibility Checklist
+          </button>
+          <button mat-menu-item tabindex="0" routerLink="/loan-origination/rbi-rules-reference">
+            <fa-icon icon="book" class="menu-item-icon"></fa-icon> RBI Rules Reference
+          </button>
         </div>
         <!-- Reports -->
         <div class="deposit-menu-group">